WirexWirex One
77
Side-by-side card comparison
Wirex One vs Solayer Pay: fees, rewards and account setup
Wirex One Card has the higher Overall Score by 22 points (77 vs 55). Wirex One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202661 official sources reviewed
01 · Make the first cut
Wirex One Card is the better all-round starting point
Wirex One Card has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallWirex One77Solayer Pay55Higher score
CashbackWirex One70Solayer Pay20Higher score
TravelWirex One85Solayer Pay53Higher score
Funds controlWirex One73Solayer Pay47Higher score
Lowest feesWirex One68Solayer Pay43Higher score
TransfersWirex One94Solayer Pay29Higher score
Choose Wirex One Card if cashback and travel matter most
Wirex One Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Five current card tiers
- 0.5% to 8% cashback in USD
- Self-custodial digital assets
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Wirex One77Solayer Pay55
Wirex One Card has the higher Overall Score by 22 points.
- Entry cost & FX
- Wirex One$0 plan · 0% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Wirex One Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Wirex One0.5% base · up to 8%Solayer Pay0% base
Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Wirex OneNon-custodial accountSolayer PayCustodial balance
Wirex One Card uses a non-custodial account setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Wirex OneVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Wirex One3 stablecoins · Stablecoin transfers; Pay to an external card, Bank account payoutsSolayer Pay1 stablecoin · Not modeled
Wirex One Card lists more stablecoins and ways to send money out (6 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-8%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 3 crypto · 3 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsWirex One CardOverall77Solayer Pay CardOverall55
Wirex One CardOverall77Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Wirex One Card77Solayer Pay Card55
- Cashback score
- Wirex One Card70Solayer Pay Card20
- Travel score
- Wirex One Card85Solayer Pay Card53
- Funds control score
- Wirex One Card73Solayer Pay Card47
- Lowest fees score
- Wirex One Card68Solayer Pay Card43
- Transfers score
- Wirex One Card94Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Wirex One CardFive current card tiers, 0.5% to 8% cashback in USDSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Wirex One CardHigher tiers require WPAY exposure, Limits remain region-specificSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Wirex One Card$0Solayer Pay Card$20/year
- FX fee
- Wirex One Card0%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Wirex One CardNot disclosedSolayer Pay Card1%
- Card spending fee
- Wirex One CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Wirex One Card2%Solayer Pay CardNot disclosed
- Virtual card
- Wirex One CardIncluded on every membership tierSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Wirex One CardPlastic from Premium; Visa Signature Metal from PrivateSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Wirex One Card5 plans: Base, Premium, Elite, Private +1Solayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Wirex One CardBespoke: 8%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Wirex One CardVisaSolayer Pay CardVisa
- Card formats
- Wirex One CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Wirex One CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Wirex One CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Wirex One CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Wirex One CardEEA card-spend limit: €30,000/day and €30,000 per transaction; other regions are shown in appSolayer Pay CardShown in app
- Monthly spending limit
- Wirex One CardEEA card-spend limit: €30,000/month; other regions are shown in appSolayer Pay CardShown in app
- ATM limit
- Wirex One CardEEA physical/Metal ATM limit: €500/day, €5,000/month and 5 withdrawals/day; 2% above the free allowanceSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Wirex One CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Wirex One CardStablecoins: USDC, USDT, EURCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Wirex One CardBank funding, External card top-upSolayer Pay CardNot disclosed
- Transfers
- Wirex One CardStablecoin transfers; Pay to an external card, Bank account payoutsSolayer Pay CardNot disclosed
- Payout currencies
- Wirex One CardUSD, EUR, GBPSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Wirex One Card0.5%Solayer Pay Card0%
- Max cashback
- Wirex One Card8%Solayer Pay CardNot disclosed
- Reward currency
- Wirex One CardUSD cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Wirex One CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Wirex One CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Wirex One CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Wirex One CardNot offeredSolayer Pay CardYes
- Lock-up
- Wirex One CardNot offeredSolayer Pay CardNo
Trust & availability
6 fields- Custody
- Wirex One CardNon-custodialSolayer Pay CardCustodial
- Control until payment
- Wirex One CardNot disclosedSolayer Pay CardProvider controls funds
- Card issuer
- Wirex One CardTransact Payments Malta Limited, Novatti Group LimitedSolayer Pay CardThird National
- Custody / key management
- Wirex One CardPrivy Technologies, Inc.Solayer Pay CardNot disclosed
- Identity verification
- Wirex One CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Wirex One CardUAB WirexSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Wirex One Card36Solayer Pay Card25
- Last reviewed
- Wirex One CardAug 12, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Wirex One Card is the stronger all-round choice
Wirex One Card finishes ahead with an Overall Score of 77 versus 55 for Solayer Pay Card. Wirex One Card has the lower starting plan cost ($0 vs $20/year). Wirex One Card has the higher published base cashback rate (0.5% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Wirex One Card uses a non-custodial account setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Wirex One Card lists more stablecoins and ways to send money out (6 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Wirex One Card and Solayer Pay Card reviews first.
Continue with
Wirex One Card
Continue with
Solayer Pay Card
05 · Common questions
Wirex One vs Solayer Pay FAQ
Is Wirex One or Solayer Pay better overall?
Wirex One Card has the higher Overall Score (77 vs 55). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Wirex One or Solayer Pay?
Wirex One Card has the lower starting plan cost ($0 vs $20/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Wirex One or Solayer Pay?
Wirex One Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Wirex One and Solayer Pay differ on custody?
Wirex One Card uses a non-custodial account setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Wirex One vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.